Oualid Borni
Shoreham
Summary
Focused banker professional with good administrative, financial and technical understanding. Highly organized, systematic and resourceful with good problem-solving and multitasking abilities.
Overview
9
9
years of professional experience
Work History
Universal Banker
M&T Bank
08.2021 - Current
- Educate customers and explain features and benefits of Consumer and Business Banking solutions; make recommendations based on the customer's identified needs
- Engage customers in a variety of ways to bank with us and provide solutions to meet their needs, encouraging and supporting the use of digital capabilities in customer interactions
- Explain the high-level criteria used to decision loan applications
- Complete servicing-related responsibilities specific to Consumer and Business Banking customer relationships and lead with inquiries to identify opportunities to solve for other banking needs
- Follow the Bank's sales process and provide simplified, customer-focused advice and guidance
- Proactively reach out to customers to contribute to the retention and expansion of all Consumer and Business Banking relationships
- Adhere to established customer service standards and provide a differentiated experience by understanding customer needs and delivering solutions in moments that matter most to them
- Actively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to solve their banking needs
- Introduce appropriate banking partner when servicing needs present an opportunity for a product solution
- Assist and stay current with the Consumer and Business Banking AML (Anti-Money Laundering), BSA (Bank Secrecy Act) and KYC (Know Your Customer) processes and related activities
- Identify and escalate cases of suspected fraud
- Resolve and accurately log all customer complaints in the appropriate system
- Review, approve and help resolve Consumer and Business Banking customer overdrafts
- Accurately complete customer transactions
- Complete related operational activities required by assigned branch, including documenting interactions and appointments with customers using the appropriate system
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
- Promote an environment that supports diversity and reflects the M&T Bank brand
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
Assistant Branch Manager
Bar Harbor Bank & Trust
04.2019 - 07.2021
- Open checking, savings, CD, HAS accounts
- Take personal loan and credit line application
- Refer mortgages, home equity and business prospects to management
- Submit credit cards applications
- Assist customers and process daily transactions to all deposit accounts
- Answer phones and provide customer service as required
- Assist Branch manager for some business projects (Research and Data Entry)
- Key holder position, open and close branch
- Perform branch balancing: daily vault and ATM custodian.
Personal Banker
People's United Bank
01.2018 - 04.2019
- Key holder position which entails the following: Open and close branch; perform branch balancing; daily vault custodian; take personal loan and credit line applications
- Refer mortgages, home equities, life insurance policies, and business prospects to management
- Open checking and savings accounts; refer and open CD accounts; perform IRA withdrawals and refer retirement accounts
- Submit credit cards applications
- Help onboard and train new employees
- Develop new and existing customers by understanding their financial needs, providing products and solutions to help them spend and save
- Go above and beyond for customers to strengthen and retain long-term relationships
- Grow new business and drive referrals to branch colleagues and partners to support the broader financial needs of customers
- Serve as the financial liaison to customers while providing world-class customer service
- Bring a positive energy and confidence to People's United Bank and its customers every day
- Present a professional appearance as the face of People's United Bank.
Bilingual Revenue Assurance Specialist
Vesta Corporation
08.2015 - 08.2017
- Bilingual Revenue Assurance Specialist
- Perform interviews in French as a trained French RA agent
- Process transactions for prepaid phones, cards, and other programs in Canada & USA
- Verify customer identity in Canada & USA (French, English)
- Contact banking and lending institutions regarding reported fraud and credit card or e-check identity verification
- Assist with angry/upset customer complaints while providing polite and professional service
- Provide support on incoming phone calls, troubleshoot and answer questions, and verify and process customer orders
- Address incoming customer calls related to disputed accounts
- Responsible for meeting performance standards and maintaining monthly goals set by the Revenue Assurance department management
- Thorough knowledge of services and products with the ability to effectively explain service information and product knowledge for all programs
- Perform analysis of incoming chargebacks, and maintain accurate records of pending disputes.
International Marketing Associate
Winsby, Inc
11.2014 - 08.2015
- Perform interviews in French as a trained French representative
- Inform customers of new products and act as sales representative for parts and heavy equipment
- Customer service satisfaction (after-sale) to USA, French Canada and France (French, English)
- Data entry & Lead generation calling (update customer information)
- Translate documents and data from English to French
- Training new employees for French customer service.
Education
Associate of Science - Accounting
Harry S Truman College
Chicago, IL06.2015
Bachelor of Science - Finance
University Badji Mokhtar
Annaba, Algeria01.2013
Skills
- EXCEL
- WORD
- MICROSOFT OFFICE
- WINDOWS XP
- MAC
- Microsoft Excel
- Microsoft Word
- English
- French
- Arabic
Timeline
Universal Banker
M&T Bank
08.2021 - Current
Assistant Branch Manager
Bar Harbor Bank & Trust
04.2019 - 07.2021
Personal Banker
People's United Bank
01.2018 - 04.2019
Bilingual Revenue Assurance Specialist
Vesta Corporation
08.2015 - 08.2017
International Marketing Associate
Winsby, Inc
11.2014 - 08.2015
Associate of Science - Accounting
Harry S Truman College
Bachelor of Science - Finance
University Badji Mokhtar
Similar Profiles
Tarvisha MaldonadoTarvisha Maldonado
Fraud Associate/Fraud Associate Senior at M&T BankFraud Associate/Fraud Associate Senior at M&T Bank
Marilyn InterisanoMarilyn Interisano
Mortgage Customer Outreach Specialist II at M&T BankMortgage Customer Outreach Specialist II at M&T Bank
Indira ChaconIndira Chacon
Relationship Banker at M&T BankRelationship Banker at M&T Bank
Ricardo GardinerRicardo Gardiner
Senior Customer Service Representative at M&T BankSenior Customer Service Representative at M&T Bank
Rikkimarie AlessiRikkimarie Alessi
Brand Ambassador at The New Heart For Life CommunityBrand Ambassador at The New Heart For Life Community